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You list each piece of data you want, need and obtain from a spreadsheet and I’ll see if I can match it with my all online bank multi-account, single source consolidated investments approach. 😎
And yes I realize some people just enjoy spreadsheets.
No 🔻please it’s just a fun exercise.
RDQ, I think that you are happy where you are and don’t want to look at info to see if/and how much things might be different if you had done things differently. If true, then ignorance is bliss.
I will suggest just one thing which, if you had done differently, would have dramatically (probably) improved your current situation….
If instead of buying muni bond funds in your taxable account, you had bought a total stock fund, you would certainly have a lot more assets. AND, you would not be paying IRMAA. Muni bond interest must be added to your other income to calculate whether you have to pay IRMAA. And the unrealized gains in your taxable account which would exist in this scenario would come out at the capital gains rate when you needed the money.
You wanted a “secure” future income stream even though you didn’t need that money to cover your expenses. So, you accomplished the income stream, but at the time, I don’t think you realized the IRMAA effect. Of course, you also had to consider your state income taxes as well. Only a spreadsheet would have allowed you to put all these factors into consideration.
With muni bonds you avoid the risks of the stock market, but you have to pay the IRMAA piper…..
I was just reviewing the performance in my Fidelity accounts and noticed a question asking if I wanted to download to a spreadsheet. I’m devastated. 😎
Pssssst……..Don’t tell anyone, but banks will do it too!!
So a thread in which every single poster has given an example of a data point that RDQ couldn’t obtain from his statements alone yet not conceded defeat in the challenge yet?
I haven’t seen any list of items, but I will concede I can’t match projecting the future or the past.